Delay Social Security to Supercharge Your Roth Conversions?
Tax Strategy, Retirement Planning, Social Security Eric Niergarth, CFP® Tax Strategy, Retirement Planning, Social Security Eric Niergarth, CFP®

Delay Social Security to Supercharge Your Roth Conversions?

Delaying Social Security isn't just about a bigger check — for retirees with large pre-tax balances, it's often about buying more Roth conversion runway. Here's how deferring to 70 keeps your MAGI low, neutralizes the tax torpedo, and lets you convert more aggressively before the window closes.

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